Take it easy – buying insurance is no longer a difficult decision. Say goodbye to monthly/yearly premiums and ONLY pay when you need protection!

YAS magic numbers
・300% Policy growth in 2022
・97.3% Successful claim rate
・Provide claim support in 48 hours
・Provide claim results in 2 weeks

How YAS is different
・No monthly/yearly premiums. Pay when you want the protection
・Allows you to manage premium spending – you can decide when to start and end your protection in YAS app
・Tracks your sweaty progress for runs, rides, hikes, and more

Who gives Kudos to YAS?
・Modern people making flexible insurance choices
・Local travelers looking for just-fit global travel insurance
・Outdoor lovers practicing runs, rides, or hikes
・Seniors who want to stay active without breaking the bank
・Tech savvy people working hard for the next generation


Discover daily protection that works for you – your way!

【BUS RYDE: KMB passenger insurance】
・Free for KMB Monthly Pass holders covering all KMB routes
・Covers the loss of your personal belongings and medical expenses for accidents occurring on the bus, up to HK$7,000
・Enter your Octopus ID number and register in 2 steps on YAS app!
・Terms and conditions applied


【FLY: Travel insurance designed by travelers】
・Fixed-rate global travel insurance – same price, anywhere (except for sanctioned countries)
・Highest rental vehicle excess coverage of up to HK$18,000 in Hong Kong
・Comprehensive COVID-19 coverage before, during, and after your trip


【HYKE: 1st pay-per-trip hiking insurance in HK】
・Covers all hiking trails across Hong Kong (some high-risk areas excluded) with in-app GPS tracking
・Provides coverage for both accidental medical expenses and damage to personal items
・Up to 6 hours of coverage for the price of a bottle of water, unbelievable!


【RYUN: 1st pay-per-km running insurance in HK】
・Covers 500 km per policy, which can be repurchased on YAS app
・Offers special coverage for day and night runners in addition to accidental medical expenses
・Real-time protection empowered by in-app GPS technology
・Record your performance and share your progress with friends!


【BYKE Pro: 1st pay-per-trip cycling insurance in HK】
・Tailored for cycling enthusiasts in Hong Kong
・Covers accidental medical expenses, bike repair expenses, and theft of a bike
・Up to 6 hours of coverage for you and your precious bike within designated routes in Hong Kong


Get the protection you need, when you need it. Download YAS app now to elevate your every day!


Interested in YAS? Visit us at
・Website: yas.io
・Facebook: facebook.com/yas.microinsurance
・Instagram: instagram.com/yas.microinsurance
・LinkedIn: linkedin.com/company/yas-microinsurance
・Youtube: youtube.com/@yas1463

You asked, and we listened! Email us at [email protected] for more questions.